So if its the case, that you get more lag when installing more fans, then you need to check your cabling and or seating of the motherboard. Also test without any power adaptors and directly to different power outlets. If motherboard or any bare plugs is touching the case, you might have a grounding issue, affecting the PWM signal to the fans, causing lag to the whole system. After checking cabling, be sure that ram is installed in slot A2 B2 and expo is disabled. Any overclock/undervolt is disabled while testing.
Also while you're at it, download HWinfo64 and check temperatures of CPU and GPU.